q****x
发帖数: 7404 | 1 再来一个。
VWIAX 28,781.05 0.18
VGSNX 24,666.62 0.08
VBTIX 106,108.61 0.07
VTSNX 68,323.74 0.13
VINIX 111,029.51 0.04
RGAGX 129,001.29 0.33
VIEIX 21,484.47 0.12
10% cash
15% vbtix
30% vsisx
15% vieix
15% vtsnx
10% vwiax
5% vgsnx
费太高不考虑。 |
|
N*****5
发帖数: 35 | 2 现在选的FID FREEDOM K 2050 (FFKHX), 有必要改吗?
50% stock + 50% bond 的组合怎么样? 求推荐, 谢谢!
SPTN EXT MKT IDX ADV (FSEVX) 50%
VANG TOT BD MKT INST (VBTIX) 50%
Fund list如下:
Name/Inception Date Asset Class Category 1 Year 3 Year 5 Year 10 Year/
LOF* Returns As Of Bench- mark
FID GROWTH CO POOL
12/13/2013 Stock Investments Large Cap Growth 21.80% N/A N/A 18.79%
07/31/2015 Show
Benchmark: Russell 3000 Growth 16.37% 18.94% 17.76% 15.46 07/31/2015
TRP BLUE CHIP GR T5
09/30/2009 Stock Investmen... 阅读全帖 |
|
发帖数: 1 | 3 以前就放在 vanguard target 2040, 发现那里的股票竟然占了80%， 然后在网上查了
好多， 单位提供的基金如下，依次代表的是基金名称，class, category,和ER
American Funds EuroPacific Growth Fund® Class R-6 RERGX, stock,
foreign, 0.5%
Cohen & Steers Institutional Realty Shares
CSRIX , stock, specialty
, 0.76
DFA Emerging Markets Value Portfolio Institutional Class
DFEVX,stock
, diversifd emerging mkts, 0.66 or 0.56
DFA U.S. Targeted Value Portfolio Institutional Class
DFFVX, stock,
small cap value, 0.37
Harbor Capital Apprec... 阅读全帖 |
|
q****x
发帖数: 7404 | 4 vbtlx and bnd both 0.10%.
vbtix only 0.07%.
性好 |
|
w*****s
发帖数: 438 | 5 汗。。。VBTIX min requirement is 5 mil |
|
q****x
发帖数: 7404 | 6 vanguard has so many classes for the same index.
vbtix, vbtsx, vbtlx, vbmfx, vbmpx, bnd.
it's surprising to see bnd and vbtlx has non-trivial tracking error.
all of these mf's are the same, though. so the exp ratio difference is
realized by the dividend difference? |
|
q****x
发帖数: 7404 | 7 From institutional investor link:
https://institutional.vanguard.com/VGApp/iip/site/institutional/investment
s/
productoverview?fundId=0222
Minimum Initial Investment Expense Ratio (as of 04/25/2012)
Total Bond Mkt Index Inv - VBMFX $3,000 0.22%
Total Bond Mkt Idx Signal - VBTSX Note 0.10%
Total Bond Mkt Index Inst - VBTIX $5,000,000 0.07%
Total Bond Mkt Ix Ist Pls - VBMPX $100,000,000 0.05%
Total Bond Market ETF - BND Note 0.10%
VBTLX is missing from the ... 阅读全帖 |
|
g**********i
发帖数: 2 | 8 Sorry I cannot type Chinese here. I am new to 401K and need some suggestions
to build my portfolio.
The options are:
Bond:
PIMCO Total Return Instl/PTTRX 1416/0.46%
Vanguard Total Bond Mkt Index Inst/VBTIX 0222/0.07%
Domestic Stock:
American Beacon Small Cp Val Inst/AVFIX 7644/0.92%
T. Rowe Price Instl Large Cap Growth/TRLGX C948/0.57%
Vanguard Explorer Fund Admiral/VEXRX 5024/0.34%
Vanguard FTSE Social Index Inst/VFTNX 0223/0.16%
Vanguard Inst Index Fund Inst/VINIX 0094/0.04%
Vanguard Windsor I... 阅读全帖 |
|
y*****s
发帖数: 1047 | 9 公司的401k有这些选项，请问该怎么选择？
Name/Inception Date Asset Class Category Gross Expense Ratio**
Shareholder Fees
COL DIVIDEND INC Z (GSFTX)
03/04/1998
Stock Investments Large Cap 0.79% No additional fees apply.
FID GROWTH CO POOL
12/13/2013
Stock Investments Large Cap 0.43% No additional fees apply.
MAINSTAY LG CAP GR I (MLAIX)
04/01/2005
Stock Investments Large Cap 0.77% No additional fees apply.
SPTN 500 INDEX INST (FXSIX)
02/17/1988
Stock Investments L... 阅读全帖 |
|
m********u
发帖数: 63 | 10 有如下选择，谢谢！ ER ratio都可够贵的。现在选的是TRP RETIREMENT 2050，ER
ratio = 0.75%。不知道有没有更合适的组合。
Name/Inception Date Asset Class Category Gross Expense Ratio**
Shareholder Fees
AF FUNDMNTL INV R6 (RFNGX)
08/01/1978
Stock Investments Large Cap 0.31% No additional fees apply.
ALZGI NFJ DIV VAL I (NFJEX)
05/08/2000
Stock Investments Large Cap 0.71% No additional fees apply.
MAINSTAY LG CAP GR I (MLAIX)
07/03/1995
Stock Investments Large Cap 0.74% No additional fees apply.
VANG... 阅读全帖 |
|
m********u
发帖数: 63 | 11 下面4个按照56%, 32%, 8%, 4%的组合怎么样？ 这样平均Fee应该控制在了0.1%左右。
不过久没有cover到Mid-Cap和Small-Cap的stock。
另外为什么Vangard的这几个fund都比其他fund的ER便宜这么多啊。
VANGUARD INST INDEX (VINIX)
07/31/1990
Stock Investments Large Cap 0.04% No additional fees apply.
VANG TOT INTL STK AD (VTIAX)
04/29/1996
Stock Investments International 0.14% No additional fees apply.
VANG INFL PROT ADM (VAIPX)
06/29/2000
Bond Investments Other 0.1% No additional fees apply.
VANG TOT BD MKT INST (VBTIX)
12/11/1986
Bond Investm... 阅读全帖 |
|
G*******m
发帖数: 16326 | 12 people with 一千万 will not trade stocks anymore.
they invest in VBTIX, every month get $33,000 dividends |
|
|
|
G*******m
发帖数: 16326 | 15 这(vbtix)就算是 advisor fund 吧? |
|
G*******m
发帖数: 16326 | 16 $300,000 buying I Bond, earning $11,500 a year (automatic)
$500,000 buying vbtix, earning $18,500 a year (automatic)
$100,000 buying TLT and TBT combination, expecting $10,000 a year
==================================================================
subtotal = $40,000 a year
$40,000 emergency fund (better to have)
$60,000 trading account, making $20,000 a year.
Total income = $60,000 |
|
G*******m
发帖数: 16326 | 17 不好说。
现在25%股票，15%vbtix，每二周loan repayment into 小股票funds，要持续3年。 |
|
G*******m
发帖数: 16326 | 18 基本上都是最近二天跌的，6.5*0.25=1.6625-vbtix gain=1.5%。 |
|
G*******m
发帖数: 16326 | 19 如果是这样，我就调整为，
40%股票，15% vbtix。 |
|
|
G*******m
发帖数: 16326 | 21 我是Vanguard Total Bond Market Index I (VBTIX) |
|
p*********r
发帖数: 7944 | 22 同初始条件关系很大。
现在股价高，分红低，作为起始点很不利。
比如VBTIX，在$10以下的时候，分红5%，每年拿走4%之后，股数还有1%的增加。 |
|
p*********r
发帖数: 7944 | 23 分红至少有二种。
1）最常见的分红，股价是要做调整的。
比如intel分红，股价是要调整的，分红前估计25元，分红0.25之后，当天如果平开，
股价就调整到了$24.75，如果高开，股价就是$24.75+高开的部分，如果低开，股价就
是$24.75-低开的部分。
所以很简单，如果你卖的时候，没有被扣除0.25，就*没有*分红好能。
如果你卖的时候，已经被扣除0.25，就*有*分红好能。
就是说你不可能吃双份的。
2）也有一些分红讲的是持有时间，按月分红，股价不会调整。
比如VBTIX，你持有15天卖了，这个月立马付给你15天的分红，不用到月底。 |
|
